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The Modern Medicare Agency

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The Modern Medicare Agency

A passionate insurance agency passionate about helping Medicare consumers since 2007! Our agency is located in Melville, NY.

The Modern Medicare Agency specializes in medicare coverage, life insurance, vision and dental insurance. Call us today at (631) 358-5793 for a free consultation or insurance quote!

09/09/2026

𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗘𝗣 𝟮𝟬𝟮𝟳: 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗗𝗮𝘁𝗲𝘀 𝘁𝗼 𝗞𝗻𝗼𝘄

* **𝗕𝘆 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟯𝟬:** Your Annual Notice of Change (ANOC) should arrive. **Read it!**
* **𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭:** 𝟮𝟬𝟮𝟳 plan information becomes available. Time to start comparing.
* **𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮:** Watch for a **Plan Non-Renewal Notice** if your current plan is being discontinued.
* **𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭–1𝟰:** Do your homework—review premiums, benefits, doctors, hospitals and prescriptions.
* **𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟱:** **AEP begins.** You can start submitting 2027 enrollment applications.
* **𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟱–D𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟳:** Annual Enrollment Period—your main opportunity to make changes.
* **❓ Date Unknown:** Some Medicare Advantage plans may hit **enrollment caps and close early**. December 7 may not be the deadline for every plan.
* **𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟳:** **AEP ends.**
* **𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟴–F𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟮𝟴:** Non-Renewal SEP for people whose plans are being discontinued.
* **𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭, 𝟮𝟬𝟮𝟳:** New AEP coverage takes effect.
* **𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭–M𝗮𝗿𝗰𝗵 𝟯𝟭:** Medicare Advantage Open Enrollment Period for people already enrolled in Medicare Advantage.

**𝗕𝗼𝘁𝘁𝗼𝗺 𝗹𝗶𝗻𝗲:** 𝗗𝗼𝗻'𝘁 𝘄𝗮𝗶𝘁 𝘂𝗻𝘁𝗶𝗹 𝗗𝗲𝗰𝗲𝗺𝗯𝗲𝗿 𝟳. **𝗞𝗻𝗼𝘄 𝘄𝗵𝗮𝘁'𝘀 𝗰𝗵𝗮𝗻𝗴𝗶𝗻𝗴, 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝗲𝗮𝗿𝗹𝘆, 𝗮𝗻𝗱 𝗵𝗮𝘃𝗲 𝗮 𝗽𝗹𝗮𝗻 𝗯𝗲𝗳𝗼𝗿𝗲 𝗔𝗘𝗣 𝗴𝗲𝘁𝘀 𝗰𝗿𝗮𝘇𝘆.**

09/08/2026

𝗜𝘀 𝗬𝗼𝘂𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗣𝗹𝗮𝗻 𝗕𝗲𝗶𝗻𝗴 𝗗𝗶𝘀𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲𝗱?

Don’t panic—and definitely don’t ignore the letter.

If your plan is ending for 2027, you have options. You may even qualify for special Medigap guaranteed-issue rights that many people don’t know about.

👉 See what happens next and the silver lining

09/07/2026

Happy Labor Day from me, Quinn 🐾, and everyone at The Modern Medicare Agency! 🇺🇸

Today is about putting the work aside, spending time with the people (and pups) you love, and enjoying the last days of summer.

You’ve earned it. Happy Labor Day! ❤️🤍💙

09/05/2026

Turning 65? Avoid These 5 Costly Medicare Mistakes

Medicare mistakes can mean late penalties, higher costs, or coverage that doesn’t fit your needs.

Before you enroll, learn 5 common mistakes I see people make—and how to avoid them.

👉 Read the full guide: 5 Costly Medicare Mistakes to Avoid When You Turn 65

09/04/2026

💰 Why Does Medicare Supplement Plan G Keep Getting More Expensive?

Plan G is one of the most popular Medicare Supplement plans for a reason. The coverage is excellent, there are no provider networks, and after the annual Part B deductible, your Medicare-approved medical expenses are generally very predictable.

But there’s a problem I’m hearing about constantly:

The premiums keep climbing.

And some of the increases we've seen recently have been significant.

What many people don't realize is that all Plan G policies provide the same standardized medical benefits—but what you pay can vary dramatically depending on the insurance company, where you live, and even how the policy is priced.

In my latest guide, I break down:

✓ What Plan G actually covers
✓ What it DOESN'T cover
✓ How insurance companies price Plan G
✓ Why premiums have been rising so quickly
✓ Why New York works differently
✓ Plan N and High-Deductible Plan G alternatives
✓ What to consider if your premium is getting uncomfortable

Plan G can still be an excellent choice. But great coverage doesn't automatically mean you should ignore the price.

If you're paying more every year, it's worth understanding exactly what you're paying for—and what your alternatives are.

👉 Read my complete Plan G guide:
https://www.paulbinsurance.com/medicare-supplement-plan-g-explained-what-it-covers-how-its-priced-and-why-premiums-keep-climbing/

09/03/2026

🚨 Something very strange is happening with Medicare Advantage for 2027.

For most of my career, Medicare Advantage companies have spent October 15th through December 7th trying to enroll as many people as possible.

TV commercials. Mailers. Phone calls. Seminars. You name it.

Now, some plans may actually do the opposite — and CLOSE enrollment once they reach their limit.

Think about that for a second.

You could find a Medicare Advantage plan you really like early in Annual Enrollment, decide to wait a few weeks…and discover that the plan is no longer accepting new members.

And here's the frustrating part: there may not be some convenient little meter telling you, “This plan is 92% full.”

It could simply become unavailable for new enrollment.

For years, I've told people not to panic and rush into a Medicare decision just because AEP started. That's still good advice.

But 2027 adds a wrinkle we've never really had to deal with before:

👉 The plan you want today may not necessarily be available later in AEP.

I broke down what's changing, why insurance companies would want to limit enrollment in the first place, and what Medicare beneficiaries should know before October 15th.

👇 Read the full article:
Some Medicare Advantage Plans Can Now Close Their Doors — Here's What That Means for You

09/02/2026

Planning for your health shouldn’t mean losing your choices! Create a solid care plan today—it's about ensuring comfort and independence during tough times. You deserve options! 🏡💪

08/31/2026

"That sounds too good to be true."

That's the reaction Jack Davis hears more than almost anything else when he tells people they can actually sell their life insurance policy for cash. 🤔

And honestly? I get it. Most of us grew up believing a policy only pays out one way — when you pass away. So the idea that you could sell it while you're still here, for real money, sounds like a scam.

But it's not. It's called a life settlement, it's a regulated transaction, and it's been around for decades — most people just haven't heard of it because it's never been marketed to them.

In this clip, Jack talks about why this generation in particular is so skeptical of it, and why that skepticism is actually understandable — even if it's costing people money they didn't know they had.

🎧 Catch the full episode of Wise Guys Retirement Talk — link in bio.

08/30/2026

Did you know your life insurance policy might actually be worth cash today — even if you don't need the coverage anymore? 💡

On this episode of Wise Guys Retirement Talk, I sat down with Jack Davis to break down two terms that get mixed up all the time: life settlements and viatical settlements.

Here's the simple version: 🔹 A life settlement is when you sell a life insurance policy you no longer need or can't afford — for more than the cash surrender value. 🔹 A viatical settlement is similar, but it's for policyholders who are chronically or terminally ill.

Same idea, different situations — and knowing the difference could mean thousands of dollars back in your pocket.

We talk through real examples, who qualifies, and the questions to ask before you ever consider dropping a policy.

🎧 Full conversation is up now — link in bio.

08/26/2026

Before you cancel a life insurance policy, get a second look. 🔍

So many seniors walk away from policies they've paid into for years — not realizing there might be another option. In this clip from my conversation with Jack Davis, we talk about why a quick second opinion could mean the difference between walking away with nothing and walking away with real value.

This isn't about a sales pitch. It's about making sure you actually understand your options before you make a decision you can't undo.

Full episode link in commnets

Address

445 Broadhollow Road Suite 25
Melville, NY
11747

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+16313585793

Website

https://www.paulbinsurance.com/

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